{"id":7565,"date":"2020-06-18T13:00:26","date_gmt":"2020-06-18T19:00:26","guid":{"rendered":"http:\/\/hombresymujeresdelacasa.com\/home\/?p=7565"},"modified":"2021-09-29T11:09:26","modified_gmt":"2021-09-29T17:09:26","slug":"usar-ahorro-infonavit-como-enganche-ante-la-banca-hasta-el-1t2021","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/usar-ahorro-infonavit-como-enganche-ante-la-banca-hasta-el-1t2021\/","title":{"rendered":"Usar ahorro Infonavit como enganche ante la banca, hasta el 1T2021"},"content":{"rendered":"<p>Por Edgar Rosas<\/p>\n<p>El nuevo producto de cofinanciamiento \u201c<strong><a href=\"https:\/\/centrourbano.com\/2020\/03\/12\/ahorro-infonavit-enganche-bancos-2\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Cuenta Infonavit + Cr\u00e9dito Bancario<\/a><\/strong>\u201d no saldr\u00e1 en 2020 como se esperaba. Ahora, la fecha estimada para el arranque ser\u00e1 hasta el\u00a0<strong>primer trimestre del 2021<\/strong>, inform\u00f3\u00a0<strong>Luis Ni\u00f1o de Rivera<\/strong>, presidente de la\u00a0<strong>Asociaci\u00f3n de Bancos de M\u00e9xico<\/strong>\u00a0(ABM).<\/p>\n<p>En conferencia de prensa, el representante de los banqueros destac\u00f3 que ambos actores a\u00fan se encuentran en el proceso de\u00a0<strong>estructurar el nuevo esquema<\/strong>. Por ello, se\u00f1al\u00f3, la perspectiva es tenerlo listo para el arranque del siguiente a\u00f1o.<\/p>\n<p>Con este producto,<strong>\u00a0los trabajadores que cuentan con ahorro en el Infonavit<\/strong>, pero que\u00a0<strong>no se encuentran cotizando<\/strong>, podr\u00e1n utilizar el recurso como\u00a0<strong>enganche ante bancos<\/strong>. La medida busca flexibilizar el uso del dinero contenido en la subcuenta de vivienda, ya que al no estar cotizando en el Infonavit, no pueden ejercer cr\u00e9dito con el Instituto.<\/p>\n<h5>Ahorro<\/h5>\n<p>De acuerdo con Ni\u00f1o de Rivera, con este nuevo esquema,\u00a0<strong>la meta es otorgar hasta 60,000 cr\u00e9ditos anuales<\/strong>. En total, dijo, existe un universo que asciende a\u00a0<strong>1 mill\u00f3n de trabajadores que tienen ahorro en la subcuenta de vivienda del Infonavit<\/strong>, pero que no cotizan activamente.<\/p>\n<p>\u201c(Queremos) echar a andar el programa que nos permita colocar 60,000 cr\u00e9ditos anuales a esta modalidad; que nos lleve a empezar a darles solvencia para una nueva o mejor vivienda a 1 mill\u00f3n de derechohabientes que est\u00e1n en esta condici\u00f3n. Ah\u00ed hay\u00a0<strong>alrededor de 400,000 millones de pesos ahorrados<\/strong>\u00a0y que vamos a ir abriendo a paso y medida que podamos dejar claramente establecidos los procesos de c\u00f3mo estructurar esos cr\u00e9ditos. Eso nos tomar\u00e1 el resto del a\u00f1o para empezar el primer del a\u00f1o entrante\u201d, dijo.<\/p>\n<p>Cabe destacar que c\u00e1lculos del Infonavit estiman que los trabajadores inactivos\u00a0<strong>cuentan con un ahorro promedio de 120,000 pesos<\/strong>. Con este nuevo esquema, los derechohabientes podr\u00e1n utilizar el dinero y facilitar el acceso al cr\u00e9dito con los bancos.<\/p>\n<p>Aunado a lo anterior, ante la crisis que traer\u00e1 consigo\u00a0<strong>la pandemia por\u00a0<a href=\"https:\/\/www.facebook.com\/watch\/portalcentrourbano\/604441470146181\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Covid-19<\/a><\/strong>, algunos empresarios y especialistas han pedido\u00a0<strong>acelerar el lanzamiento del producto<\/strong>. Esto, como medida para i<strong>ncentivar la colocaci\u00f3n de cr\u00e9dito y la compra de vivienda<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Edgar Rosas El nuevo producto de cofinanciamiento \u201cCuenta Infonavit + Cr\u00e9dito Bancario\u201d no saldr\u00e1 en 2020 como se esperaba. Ahora, la fecha estimada para el arranque ser\u00e1 hasta el\u00a0primer trimestre del 2021, inform\u00f3\u00a0Luis Ni\u00f1o de Rivera, presidente de la\u00a0Asociaci\u00f3n de Bancos de M\u00e9xico\u00a0(ABM). En conferencia de prensa, el representante de los banqueros destac\u00f3 que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7566,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[1440,393,868,25,2939,1256,1975,55,1971,1970,618,1421,1211,102,1383,2022,2940,177],"class_list":["post-7565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-1440","tag-abm","tag-asociacion-de-bancos-de-mexico","tag-banca","tag-banqueros","tag-cofinanciamiento","tag-covid-19","tag-credito","tag-credito-bancario","tag-cuenta-infonavit","tag-derechohabientes","tag-enganche","tag-esquema","tag-infonavit","tag-luis-nino-de-rivera","tag-pandemia","tag-subcuenta-vivienda","tag-vivienda"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/7565","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/comments?post=7565"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/7565\/revisions"}],"predecessor-version":[{"id":7567,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/7565\/revisions\/7567"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/7566"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=7565"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=7565"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=7565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}